Roth IRA Calculator
Tax-free growth to retirement, with the 2026 $7,500 limit and $1,100 catch-up.
Estimates only; not tax or investment advice. Assumes a constant return; limits and rules can change.
Schedule
About this calculator
A Roth IRA is funded with money you've already paid tax on; qualified withdrawals in retirement — including all of the growth — are tax-free. For 2026 you can contribute up to $7,500, or $8,600 if you're 50 or older. That limit is shared with any traditional IRA, and you can't contribute more than your taxable compensation for the year.
Worked example
A single $7,500 contribution made at 30 and earning 7% a year would grow to about $80,000 by 65 — and none of it would be taxed when you withdraw it in retirement.
2026 Roth IRA income limits
How much you can put in depends on your modified adjusted gross income (MAGI). Single filers and heads of household can contribute the full amount below $153,000; the limit shrinks across the phase-out range and reaches zero at $168,000. For married couples filing jointly the range is $242,000 to $252,000. If you're married filing separately and lived with your spouse at any time during the year, it's $0 to $10,000. Inside a range, IRS Publication 590-A has the worksheet for your reduced limit.
How the projection works
Contributions are spread evenly through each year and earn a constant return. Your yearly amount is capped at the 2026 limit and the catch-up is added from age 50. IRA limits rise with inflation over time, so actual future limits will likely be higher.
Withdrawal rules
You can take out your contributions at any time without tax or penalty. Earnings come out tax-free once you're 59½ and at least five years have passed since the start of the year of your first Roth IRA contribution; taking earnings out earlier can mean income tax and a 10% penalty, with some exceptions.
2026 IRA contribution limits
| Your age | Limit (all traditional and Roth IRAs combined) |
|---|---|
| Under 50 | $7,500 |
| 50 or older | $8,600 ($7,500 + $1,100 catch-up) |
Source: IRS Notice 2025-67; IRS: IRA contribution limits
2026 Roth IRA income limits (modified AGI)
| Filing status | Full contribution | Reduced contribution | No contribution |
|---|---|---|---|
| Single, head of household, or married filing separately and lived apart all year | Under $153,000 | $153,000 up to $168,000 | $168,000 or more |
| Married filing jointly or qualifying surviving spouse | Under $242,000 | $242,000 up to $252,000 | $252,000 or more |
| Married filing separately and lived with spouse during the year | — | Under $10,000 | $10,000 or more |
Source: IRS Notice 2025-67; IRS news release IR-2025-111
Sources: IRS Notice 2025-67; IRS news release IR-2025-111; IRS: IRA contribution limits.
Estimates only; not tax or investment advice. Assumes a constant return; limits and rules can change.
Frequently asked questions
How much can I contribute to a Roth IRA in 2026?
Up to $7,500, or $8,600 if you're 50 or older by the end of the year — or your taxable compensation for the year, if that's less. The limit is shared by all your traditional and Roth IRAs, and it's reduced or eliminated if your income is in or above the phase-out range.
What are the 2026 Roth IRA income limits?
The phase-out ranges are $153,000 to $168,000 of modified AGI for single filers and heads of household, $242,000 to $252,000 for married couples filing jointly, and $0 to $10,000 for married filing separately if you lived with your spouse during the year. Below the range you can contribute the full amount; at or above the top, you can't contribute directly.
When can I withdraw from a Roth IRA tax-free?
Contributions can come out any time, tax- and penalty-free. Earnings are tax-free once you're 59½ and the account has met the five-year rule, measured from January 1 of the year of your first Roth IRA contribution.
Should I choose a Roth or a traditional IRA?
Mostly it comes down to tax rates: a Roth wins if your tax rate in retirement will be higher than it is today, a traditional IRA if it will be lower. The Roth vs traditional calculator compares the after-tax results.